top of page

Unlock the Cash in Your Home – Tax-Free & On Your Terms

If you’re over 55 and own your home, you could unlock some of the value tied up in your property—without having to sell or move. Whether you want a tax-free lump sum to fund home improvements, travel, or simply enjoy retirement, or a regular income to boost your financial security, there are options available to suit your needs.

Turn Your Home’s Value into Financial Freedom

​

At Optimus Mortgages, we specialise in later-life lending solutions that help homeowners access the wealth in their property. Depending on your goals, we can guide you through options such as:

​

  • Equity Release (Lifetime Mortgage) – Access a lump sum or flexible drawdown payments, with no required monthly repayments.

  • Retirement Interest-Only Mortgages (RIOs) – Borrow against your home while keeping monthly costs low and manageable.

  • Remortgaging – If you have an existing mortgage, switching to a better deal could free up funds for your retirement plans.

Couple on Cruise Ship

Enjoy Life on Your Terms

​

Releasing equity from your home can help you:

​

✔ Supplement your pension and increase your retirement income.
✔ Cover unexpected costs or medical expenses.
✔ Make home improvements for a more comfortable future.
✔ Travel, enjoy hobbies, or simply enhance your lifestyle.

 

We’ll explain everything in simple, straightforward terms, helping you make an informed decision about what’s right for you.

Find Out How Much You Could Release
​
Your home could be the key to a more comfortable and enjoyable retirement. Get in touch today for a free, no-obligation consultation, and let’s explore the best solution for you.
 

📅 Book a free consultation 

Why choose Optimus Mortgages?

​

Our initial consultation is completely free, and there is absolutely no obligation to proceed.

​

We have decades of experience in financial services, and as specialists in this market we have access to a panel of carefully selected leading providers. We can also access the whole market, allowing us to make sure we find a suitable solution for you.  

​

You will be designated your own dedicated specialist adviser, with their own direct email and telephone number, so you can be confident that you will always be dealing with the same person.

​

Our fully qualified specialists will always deal with you in plain English, not jargon. 

​

With our easy to use client portal you can receive updates on the progress of your application 24 hours a day, seven days a week, as well as being able to securely upload and review documents.

​

We offer a competitive and transparent fee structure.

​

Read some of our reviews

Joshua P
  • Facebook
  • LinkedIn
Equity Release Council Endorsement Logo

Optimus Mortgages is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 945578.

Registered office address for Optimus Mortgages Ltd is 15 Raven Court, Shildon, County Durham DL4 2GX. Registered in England and Wales No.10277354.

​

The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows:

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR www.financial-ombudsman.org.uk

 

Phone calls may be recorded for training and monitoring purposes.

​

​© Copyright 2021 to 2025 by Optimus Mortgages Ltd. All rights reserved.

Privacy Policy                                                                                   ​Cookie Policy

bottom of page